You claim against a policy issued by a company, not their agency. They are in the business to make a profit, like most businesses. They don't simply hand out money to anyone who asks; you need to provide proof of your claim. If they refuse to pay promptly, you sue them and it gets resolved quickly.

It's fairly obvious as to why - insurance agencies are businesses. Like all businesses, they exist in order to make a profit. Insurance agencies who generously pay out claims are not profitable. There are bigger bonuses for the corporate heads when claims are denied. This is simply how the world works.

The less they pay, the more profit they make. That is the nature of for profit healthcare.

Anonymous · 1 month ago

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· just now

I have never had an insurance company fight to not pay a claim.
Including I had a new car that came damaged, a couple dents the size of a pencil eraser that I found 4 days after owning the car. I tried for months to get the dealership to repair it. SEVEN months later I filed the claim with the insurance company. They paid and that was the end.

Because they are for-profit companies. There is absolutely no profit in playing claims, but MAD profits are to be made in collecting premiums. This is called business, and it's unethical, but won't be changing anytime soon.